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Sunlight Home Improvement Financing
Meet Sunlight
Introduction to Our Lending Partner
Sunlight Financial is a nationwide home improvement lender trusted by contractors and homeowners alike. They specialize in clean energy and HVAC financing, offering fixed-rate, long-term loans with transparent terms and fast approvals.
As a Soligo lending partner, Sunlight makes it easy for Florida homeowners to finance critical upgrades with $0 down and low monthly payments—all with a clear, paperless process.
What Sunlight Does for You
Clear Terms. No Surprises. Full Flexibility.
Sunlight helps you finance major upgrades like HVAC systems, attic insulation, and smart energy products without large upfront costs or confusing payment schedules.
Fixed APRs typically between 6.99%–9.99%
Terms from 5 to 20 years (60–240 months)
$0 down payment options
Soft credit check to prequalify
FICO score 680+ recommended
No prepayment penalties
Eligible for HVAC, insulation, ventilation, roofing and bundled projects
Fast, paperless application with digital signatures
With Sunlight, you can bundle multiple home energy upgrades into one simple, low monthly payment and enjoy the benefits of ownership, including eligibility for tax credits.
How Sunlight Works
Fast, Paperless, and Homeowner-Friendly
Prequalification takes just minutes with a soft credit pull and no obligation. Once approved, your Soligo project can move forward immediately.
How to Apply:
Prequalify online with no credit impact
Review your available fixed-rate loan options
Sign documents electronically
We schedule your install
You enjoy enhanced comfort while making simple monthly payments
Whether you're upgrading your A/C system, adding attic insulation, or bundling with a roof or solar, Sunlight makes financing seamless and stress-free.
Why Use Sunlight
Because Home Comfort Should Be Simple
Sunlight is designed for homeowners who want fast approvals, transparent terms, and no surprises, all without the complications of home equity loans or hidden fees.
It’s especially great for:
Homeowners with strong credit (680+) looking for stable rates and long terms
People upgrading HVAC systems, attic insulation, or air purification
Homeowners who don’t want to use home equity or deal with a lien
Anyone who values predictable monthly payments and paperless convenience
Those who want to bundle multiple upgrades into one simple loan
With no prepayment penalties, no home liens, and $0 down options, Sunlight offers peace of mind and purchasing power, on your terms.
Trusted Comfort for Only $29.99/Month
Year-Round Comfort. Cleaner Air. Zero Stress.
Get 2 AC tune-ups a year, cleaner indoor air, priority scheduling,
and exclusive savings with Soligo Air Club+ membership.
Home Improvement Financing
Is Sunlight Right for You?
Will Sunlight affect my credit?
No. You’ll prequalify with a soft credit check that won’t impact your score.
What types of projects can I finance?
Sunlight covers HVAC systems, insulation, solar, roofing, batteries, hybrid hot water heaters, and more.
What are the loan terms and rates?
Fixed APRs start around 4.99%, with terms up to 25 years based on your credit and selection.
Can I combine multiple upgrades into one loan?
Yes! You can bundle projects like HVAC + insulation or solar + battery into a single payment.
Can I pay off early?
Absolutely. Sunlight has no prepayment penalties, so you can pay off anytime without fees.
Can I apply for Sunlight financing with a co-borrower?
Yes! Adding a co-borrower can improve your chances of approval or help you qualify for better terms. Both applicants will need to provide basic information during the prequalification process.
Is Sunlight financing available for second homes or rental properties?
Sunlight financing is generally intended for primary residences, but in some cases, secondary homes may qualify depending on the project and contractor. Ask your Soligo Air representative to confirm eligibility.
What happens if I sell my home before the loan is paid off?
Since Sunlight is an unsecured loan, it’s tied to you—not your home. If you sell your home, you’ll either continue to pay the loan or pay it off from the proceeds—whichever you prefer.
Can I use Sunlight to finance multiple projects over time?
Yes. If you complete one project and want to add another later (like solar after HVAC), you can apply for a new loan through Sunlight.
How long do I have to complete the project after approval?
Most Sunlight approvals are valid for up to 60–90 days, giving you time to schedule your installation and finalize any additional details. Funds are disbursed after work begins.
Make A Difference
With Every System We Install
For every HVAC installation, Soligo Air donates $10 to help fund clean air and energy projects in underserved communities. We invite our homeowners and team members to join us in giving back, building a culture of comfort, care, and impact that goes beyond the home.
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6752 Curtis Street
Orlando, FL 32807
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© Copyright 2025. PJWD Energy LLC, DBA Soligo Air. All rights reserved. Florida License #CAC1823002
© Copyright 2025. PJWD Energy LLC, DBA Soligo Air. All rights reserved.
Florida License #CAC1823002